Yeh, LBA sent 02 Apr. Not heard of the N1 before. It's been a while since i've done this. Which form do i need.

Prelim sent, claiming £252 of unlawful charges + the std 8% interest. IF replied saying they would deal with it within 4 weeks LBA sent 02 Apr, got a reply today offering me £32 as a good will gesture and stating 'all the charges are fair' garbage. Need to do a MCOL now. Are they paying out if you call or do i need to follow the MCOL through.

How come you have nearly £1700 in interest? where did you work that out from 300 quid in charges? My claim is for £120 of charges and my contractural is nowhere near half of yours. in fact its about 50 quid at the rate of 18% APR. account was closed a year ago and i'm claiming over about 3 years (time at which i had the account). incidently, they offered me £48 as full and final settlement. Trouble is i want to call them, on the number provided, and discuss (as i'm currently offshore) but all i get is a bloody call centre in india.

hi did you claim using mcol? If so, what did you do about the interest (contractural), did you ask for it back also or just claim the amount of charges only?

just called em too purchases was 18.9% cash was 22.9% average of both or take the highest one?

uk one last question. What do i tick on the 'are you claiming interest' question. if yes then a pop up says i need to include the text about sect 69 etc etc

Uk - PM received. I'll definitly be using that text and as per my PM, thanks again Final question though: The APR i used initally was a guess as i don't have the statements and at the time i only had the SAR info which wasnt in statement format but, i've now found a statement which states an average of 1.4% for purchases/cash advances giving about 18% APR. Seeing as i used a guesstimate of 24.9% for my prelim and LBA should i continue with this rate or use the 18% figure on the POC on MCOL. Sorry for what may seem dumb questions but i want to get this right in case of court etc Chris

oh... Thats confused things somewhat. I thought MCOL & contractural was a bit more simplified than that. To be honest the charges i am claiming totals to only £120, with contractural interest it's about £150 ish. Can I, at this stage sack the contractural i've been asking for in my prelim and LBA (i've now actually calculated it properly at 18%) and just settle for the 8% instead to save the hassle. I'm working abroad at the moment so it doesnt help either, after a quick result if possible, ie through MCOL. I don't want a measely £48, i want at least the £120 back.

My claim is for £120.00 plus contractural interest at 24.9% Prelim sent 12 Mar 07 Nothing heard from that so....... LBA sent 10 Apr Nothing heard by last friday (27 Apr) so i started Moneyclaim (saved not submitted yet). Out of the blue yesterday, i received a letter from cap one dated 24 Apr thanking me for replying to their offer of £48 (I'm sure i never) sorry you feel that their offer is unacceptable, contact OFT etc etc. Anyway it's too late so i'm continuing with court action via moneyclaim, which is where i'm currently at. I'm stuck with the particulars of the claim. I've used the template from here but i need help with filling in the bit about claiming the interest. Do i claim the 8% and contractural or just contractural only. If the latter, can i use the phrase 'in accordance with section 69 of the county court' still? if not what should i put? Any advice welcome

Right, what do i do now? SAR sent on 30 Jan. Basically, they sent me a response to my SAR dated 09 Mar which, by the time i got it, was late anyway (received on 19 Mar) and it stated that i had no charges and the case was closed. However....... .........this was total rubbish and after speaking to them personnally on the phone on 15 Mar they admitted that there was indeed charges on my account (7 in fact, recently and i can also verify this through statements and letters), they then said that i would receive a response with the list of charges within 5 days and stated that it would be in the post that same day. Well, obviously 5 days was last tuesday, ie the 20th and today after 11 days i still havent had anything. They are now taking the pi55. It is now 54 days from my SAR. What do i do now, i've had enough of these muppets, i want to take action. Who, where to and what with? Cheers in advance

Well some correspondence at last, not that its any good mind. Read on..... Recived today a letter from IF entitled DATA PROTECTION ACT - DATA SUBJECT ACCESS REQUEST dated 09 Mar 07. It went on to say that it is my right to get the info etc etc etc and then i read down, this is what it says: Credit Card xxxx xxxx xxxx xxxx No Charges Applied. WHAT !!!!!!!!! So what have the last 3 months of charges been about then ?? So, just called them and spoke to some bloke and he did say that a new breakdown of charges was in the post as per my telephone conversion on the 15th Mar which, were posted that same day. I asked if he could see how many charges i actually had in total, he looked at my account and agreed with the last 3 months and said the total number of charges applied to my account since i've had it is 7. Then i asked, why did the SAR letter i got dated the 9th Mar state i had none then? His answer, "I don't know, just throw that letter in the bin and wait for the next one". Yeh, of course.................as if. Who do i complain to people?

Bit of an update. Well as of today (15 Mar) i have still not received any correspondence from my SAR dated 30 Jan which,according to track and trace, was received by IF on 01 Feb (S.A.R. template taken from here). To my calculations, they've had my SAR for 43 days now. Given that i am currently based overseas with the forces i gave them a few days grace for the slower mail service we experience here before following up. So, today i called them and asked where my info was. After being put on hold for about 10 mins (bare in mind i'm dialling the international number here ) the guy asked if i wanted 6 years worth of statements. I said yes, if necessary but i only require a list of charges really and i'm not paying the £5 fee for each statement. I also mentioned that i had sent the £10 maximum fee that they could charge which, to date had still not been banked, (he agreed to the max £10 yet earlier in the call he also concured that statements were £5 each :? ). Anyway, he stated that IF would now bank my cheque for £10 and send me upto 6 years of statements. So, putting 2+2 together i then proceed to ask whether the statements were either; a. already in the post, b. going to be posted today or c. going to be posted in the next couple of weeks or so. He then stated that they would be getting posted today and would take upto 5 days to arrive, to which i reminded him that they were already in breach of the data protection act 1998 with regards to the 40 day limit , again he agreed :? Anyway, in the hope of receiving my data I'll give em a further 7 days, ie until next friday which is ample time given my current situation with the post. If i still havent received anything by that date then i will be following up with a letter of non-compliance etc. If i get my info by then i'm still going to report them to whoever it is that deals with this, just need to search some more to find out who exactly. On another note, i did receive a letter in reply to my letter of complaint which was sent the same day as the SAR. However, it basically went along the lines of saying sorry you feel you've been fobbed off, sorry about no statements then stated my current balance and next payment date, told me my account was closed but stated my original credit limit, said they couldnt help with a re-payment plan as its not company policy and then fobbed me off, in writting So, in summary. IF are a complete bunch of useless muppets. Once my debt with these people is cleared i can safely say that I will never ever use these incompetant rip off merchants again. so, on we go........

ditto I called them the day before i was going to send the lba. i made sure they were aware that i knew they were dealing with cases like this every day and that to date they always payed up. i said my claim was only small and i'd seen people with bigger goodwill gestures than my full claim, so why not setlle over phone, saves my time and theirs being wasted.. Have all your facts straight, be polite and they will co-operate.

if in doubt, call them and ask. I assumed mine to be 24.9% and used this on my spreadsheet. When i spoke to Yvonne she calculated it for me, it was actually 15.9%. Might be worth just requesting it back over phone, you never know, it worked for me.

Received a letter today from Stuart Johnson offering a further 178.84 goodwill payment for full and final settlement as per my phone call on 24 Jan. It also says at the bottom if i don't comply with their charges anymore they will cancel my card and terminate my account. Typical really, as i asked for this last year anyway and was refused - idiots. So, thats it all settled and confirmed. For the third time, will a mod please rename and move this thread lol.